What do your employees really look for in a benefit plan?

There are many benefits to having an employee health and dental plan, but one of the main assets of a group plan is that it attracts and retains quality employees. 

As a company owner, you need to ask yourself which benefits would be of the most value to your employees. To make things easier for you we found an article that lists prescription drug coverage, dental care, and vision care as the most important qualities of a group benefit program.  

We can help you to find a plan tailored specially to the needs of your company and your employees. We can work within your budget, help you with prescription drug care maximums based on requirements, and can help you choose dental coverage to suit your employees. Further to that, we can discuss extended health care options, including vision coverage, that will improve your employees' quality of life. 

After implementing a plan, we can help you set your employees up with an easy-to-use mobile app to submit claims, see claims history, and register for direct deposit for claims reimbursement. Your employees can keep up to date on their coverage maximums, plan usage, and other pertinent information without the help of a third party. if they have questions about the mobile app or about their benefit plan, they can call our office directly and we can direct them while maintaining confidentiality standards. 

Similar to the mobile employee app, we can offer online plan administration, which allows you to make changes to and review all of the details of your group plan. Plan administrators can log on to the website to see taxable benefit information, billing statements, and a summary of your employee benefit program. They can also add or delete employees or make changes to a current employee if he/she experiences a life changing event, such as the birth of a new baby or entering a new marriage. 

We'd love to help create a better quality of life for your employees, so call us today for a quote or further information on the types of plans we can offer. 

 

To see the full article, please click here

Health and Dental Care Revisions

The Chambers of Commerce Group Insurance Plan is implementing a 12-month pilot project beginning in January, 2017. 

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Currently, the Chambers Plan does not allow employees to claim services and/or treatments provided to them by their employer.

For example, a dental assistant cannot receive treatments from the dentist who he or she works alongside. 

The pilot project will revise this rule to allow employees to claim health or dental services provided to them by their respective employers. 

We hope that this rule allows for ease of access to health care providers and look forward to the positive changes this will bring to our Chambers Plan members. 

Learn more about your Health and Dental Benefits here.

What's included in your Chambers of Commerce Group Insurance Plan?

Extended Health Care Benefits: 

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Group health care plans can help your employees and their families pay for necessary medical expenses that aren't covered by their provincial health care plan. 

The Chamber's Plan covers between 50% - 100% of eligible costs, including vision care, prescription drugs, and paramedical services. 

Prescription Drug Plan: 

The Chambers Plan provides a drug card with each benefit package; this allows for immediate reimbursement and prevents your employees from having to pay out of pocket expenses. 

Paramedical Practitioners: 

Paramedical services are covered with maximums of $250 - $600 per person per year based on the type of plan that you choose. Some of the covered services include: 

  • Physiotherapy 
  • Speech therapy 
  • Osteopaths
  • Naturopaths 
  • Chiropractic
  • Podiatrist and Chiropodist
  • Massage therapist 
  • Acupuncture

Medical Equipment: 

  • Up to $25,000 per person for home nursing are
  • Emergency group or air ambulance 
  • Up to $700 per person for hearing aids 

Vision Care

  • Glasses, Contacts, Eye Surgery
  • Up to $200 per person every 2 years for adults and every 1 year for children 

Frequently Asked Questions about Dental Plans

It is important to ask your dentist to send in a pre-authorization or estimate to the Chambers Plan before you proceed with any unknown or expensive dental work. 

Some dental clinics will make you pay 100% of the cost upfront and some will allow you to pay the difference at the counter. The dentist's office will generally ask you to leave a credit card on file and they will collect payment from The Chambers of Commerce Group Plan. For example, if you have 80% coverage on your plan, they will ask for a 20% deposit after your visit. 

Be sure to show the dentist your wallet card, it has the direct billing information they need to get you and your family set up for electronic claims submission. 

Carefully review your dental claim form before signing it to ensure all of the information is correct. 

Dental Fees and Fee Guides: 

  • Did you ask upfront what the dentist charges for routine procedures so you can compare to other dentists in your area? 
  • Keep in mind that the treatment plan proposed by your dentist and your decision to proceed with the recommended work should not be based on the amount of insurance coverage your have. However, you should know in advance exactly how much your plan will reimburse you and what you will have to pay out of your own pocket. 
  • Ask your dentist how much they charge and how much will be covered by your insurance plan!